<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2395-8715</journal-id>
<journal-title><![CDATA[Revista de economía]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. econ.]]></abbrev-journal-title>
<issn>2395-8715</issn>
<publisher>
<publisher-name><![CDATA[Facultad de Economía, Universidad Autónoma de Yucatán]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2395-87152019000200090</article-id>
<article-id pub-id-type="doi">10.33937/reveco.2019.110</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Los determinantes de la conducta financiera para no tener una cuenta de ahorro formal: aplicación de un modelo logístico multinomial]]></article-title>
<article-title xml:lang="en"><![CDATA[The determinants of financial conduct for not having a formal savings account: application of a multinomial logistic model]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[González Núñez]]></surname>
<given-names><![CDATA[Jorge Carlos]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Anáhuac  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2019</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2019</year>
</pub-date>
<volume>36</volume>
<numero>93</numero>
<fpage>90</fpage>
<lpage>117</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2395-87152019000200090&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2395-87152019000200090&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2395-87152019000200090&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo del estudio es explicar la conducta financiera de las personas que no tienen cuenta de ahorro formal. El método de medición es el modelo logístico multinomial que se aplica a datos de la Encuesta Nacional de Inclusión Financiera del 2015. La aplicación del modelo responde a la naturaleza de la variable de respuesta que es categórica y no tiene un orden de importancia. Las principales variables que caracterizan a las personas que no ahorran en el sistema financiero formal son: nivel de educación, localidad, registro de gasto, edad y sexo.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective of the work is to explain the financial behavior of people who do not have a formal savings account. The measurement method is the Multinomial Logistic Model that is applied to data from the 2015 National Financial Inclusion Survey. The application of the model responds to the nature of the response variable that is categorical and does not have an order of importance. The main conclusions are that the variables that characterize people who do not save in the formal financial system are: the level of education, the location, expenditure record, age and sex.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[sistema financiero]]></kwd>
<kwd lng="es"><![CDATA[método de medición]]></kwd>
<kwd lng="es"><![CDATA[modelo logístico multinomial]]></kwd>
<kwd lng="es"><![CDATA[conducta financiera y ahorro formal]]></kwd>
<kwd lng="en"><![CDATA[financial system]]></kwd>
<kwd lng="en"><![CDATA[measurement method]]></kwd>
<kwd lng="en"><![CDATA[multinomial logistic model]]></kwd>
<kwd lng="en"><![CDATA[financial behavior and formal savings]]></kwd>
</kwd-group>
</article-meta>
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